Free Consultation

We consult with clients to ensure our services are right for them. A credit analyst will review your credit history with you at no obligation. During the consultation, the credit analyst will explain what Build Perfect Credit provides, how the process works, the time frame involved, payment options and what to expect during the course of being a client - all at no charge! Call now to speak with a credit analyst at 800-350-8102.

24 Hour Online Access

Build Perfect Credit utilizes state-of-the-art technology that allows clients to access real-time information regarding progress of their credit restoration. This technology allows for reporting of all disputes by creditor and online status updates. Data is compiled in user friendly charts, making it easy for clients to follow the progress of their credit restoration.

Commitment To Education

Education is a primary goal of our service. We teach clients to improve their credit through the credit score calculation process. Our credit specialists will explain any credit mistakes you may have made in the past to ensure you do not make them in the future. We tailor a plan of action that not only helps to raise your credit scores, but ensures they stay that way.

All Inclusive! No Upgrades Needed

With Build Perfect Credit, you don’t have to worry about costly program upgrades. Our programs include all services necessary to help you restore your credit. When you choose Build Perfect Credit, you receive an effective credit solution from day one.

Individually-Tailored Programs

When you become a Build Perfect Credit client, we evaluate your credit reports and individually-tailor a plan based on your needs. As we manage your account, we tailor our service to the actions of credit reporting agencies and creditors as they arise. Whether you need rebuild your credit, deal with collection accounts, foreclosure or bankruptcy, we offer the most appropriate solution.

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Buying A Home

A consumer with good credit can potentially save hundreds of thousands of dollars!

As an example, on a 30-year home loan of $225,000, a good credit rating allows a consumer to qualify for an interest rate of 5.5% and a monthly payment of $1,278 with total interest paid of $234,907. A lower credit rating could result in an interest rate of 7.5% and a monthly payment of $1,573 with total interest paid of $341,366. In this example, good credit will help you save more than $105,000 over the life of the loan.

Buying An Automobile

Good credit leads to lower interest rates on auto loans. Banks, auto dealerships, and other lending institutions offer rates as low as 6% or as high as 28%, depending on your credit score.

Consumers with good credit can take advantage of extremely low financing (0% - 2.9%) from auto dealerships directly.

Obtaining A Credit Card

Credit card companies generally offer their best interest rates and incentives to consumers who have proven they handle credit responsibly. Consumers with good credit scores can expect to receive a low interest rate credit card which may include incentives, such as a 0% introductory offer, and cash back or rewards points on all purchases. Build Perfect Credit has selected the credit cards that offer the best value in terms of annual percentage rate, annual fees, and cash back or bonus point plans.

Building A Business

A majority of businesses are built on borrowed capital. Businesses often keep credit lines available for everyday operations and/or emergencies. As with interest rates offered on credit cards, good credit allows consumers to borrow capital for businesses at low, competitive rates.

Getting Insurance

Home owner and auto insurers look at credit scores before deciding if coverage will be offered, and at what premium.

Several years ago, insurers found a correlation between credit scores and losses, and policy owners with higher credit scores filed fewer claims. Habits of responsible credit users carry over to responsible driving and home ownership. Better credit scores result in lower rates.

Starting Out

Good credit is the cornerstone for young consumers. For marriage, buying the first car or purchasing the first home, good credit is a necessity and not a luxury for building and maintaining financial health.

Retirement

The more consumers pay, as a result of higher interest rates, the less they have to invest for retirement. For retirement, it is important to start saving as much as possible, as soon as possible, and for as long as possible. Poor credit affects the amount available to invest for retirement. and losses, and policy owners with higher credit scores filed fewer claims. Habits of responsible credit users carry over to responsible driving and home ownership. Better credit scores result in lower rates.

Buying An Automobile

Good credit also leads to lower interest rates on car loans. Banks, car dealerships, and other lending institutions can offers rates as low as 6% with good credit and rates as high as 16% with poor credit.

Buying An Automobile

Good credit also leads to lower interest rates on car loans. Banks, car dealerships, and other lending institutions can offers rates as low as 6% with good credit and rates as high as 16% with poor credit.